Federal credit union · West Monroe, Louisiana · NCUA charter #22527
West Monroe
Health score 27/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 27
- Health / 100
- $3.8M
- Total assets
- 403
- Members
- 4.4%
- Net-worth ratio
West Monroe scores 27/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.8M; members 403; net-worth ratio 4.37%; health rank #4,369 of 4,374; healthier than 0th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,369 of 4,374 health · 2025Q4West Monroe · health 27/100 · $3.8M · 2025Q4
- RANK 27/100
- PHOTO 4.4%
- BOOK 3.79%
- CHARTER -3.56%
- NCUSIF $3.8M
- CAMELS 403
- HEALTH #4,369/4,374
- NW n/a
- DELQ 22527
Call Report peers
West Monroe carries $3.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
West Monroe vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
27 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
West Monroe - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22527: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where West Monroe diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.03% vs peer 63.60% (+10.43 pp).
- Widest shortfall vs peers is Net Worth Ratio: -14.69 pp (4.37% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where West Monroe sits in Louisiana
- Louisiana health ordinal: #138 of 138.
- By total assets, West Monroe is #110 of 138 in Louisiana.
- Membership ranks #120 of 138 among Louisiana CUs with a reported count (403 members).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
West Monroe Call Report trajectory
West Monroe: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -7.8% from $4.1M (2024Q4) to $3.8M (2025Q4).
- Membership moved -6.9% from 433 to 403 over the same window.
- Net-worth ratio shifted -6.30 pp (10.67% → 4.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 4.37%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 27/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 27.
- Net Worth Ratio 10.9 pts
- Delinquency Rate 1.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for West Monroe
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.37% | -14.69 pp |
| Delinquency Rate | 3.79% | +1.98 pp |
| Return on Assets | -3.56% | -4.01 pp |
| Member Growth | -6.93% | - |
| Loan-to-Share Ratio | 74.03% | +10.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
West Monroe filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.8M | 403 |
| 2024Q4 | $4.1M | 433 |
| 2023Q4 | $4.1M | 445 |
Credit Union Details
- Charter Number
- 22527
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- West Monroe
- Data Quarter
- 2025Q4
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Cross-state Call Report peers for West Monroe
Cross-state asset and health neighbours for West Monroe - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (27/100 here).
Using this data
- West Monroe ranks #4,369 of 4,374 nationally on financial health and #138 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Louisiana Machinery Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Louisiana Machinery Employees
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is West Monroe financially healthy?
A 4.37% net worth ratio and a 3.79% delinquency rate feed into West Monroe's financial health score of 27/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,369 of 4,374; by total assets it ranks #3,979 of 4,374 nationally (same basis as /rankings/largest); and #110 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does West Monroe compare to other credit unions?
Five weighted metrics from NCUA filings produce West Monroe's 27/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join West Monroe?
West Monroe carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact West Monroe directly to confirm current membership steps.
Is my money safe at West Monroe?
Federal credit unions like West Monroe are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. West Monroe's net worth ratio of 4.37% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does West Monroe offer compared to banks?
Credit unions like West Monroe are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact West Monroe directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.